Discover 1/12

Understanding the Discover 1/12 rule:

This is a simple rule that doesn’t need much further explanation. You are only allowed one Discover card every year. There is also a separate rule stating that you are only allowed to hold two Discover cards at once. So if you have one, you must wait 12 months to apply for another. If you have two, you have to cancel one and wait 12 months from your last approval before applying for another.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.